online car insurance rates Today, online shopping for auto insurance has become as common as looking for a book on Amazon. When searching for car insurance an informed customer is a customer who saves money. There are several key variables that affect any car insurance rates. You should know what variables affect your rates and how these variables affect your rate. So before jumping on the internet and surfing online looking for the best online car insurance rate ask your self a question. What variables will affect my insurance premium rate? When comparing auto insurance online always compare apples with apples. Take into consideration the different variables. Select a website that will do the comparison of online car insurance rates for you by offering you several options based on the variables that you gave as input. The following variables can save you hundreds of dollars. Recently insurance companies started to offer insurance policies at the cheapest possible rates by only giving you the minimum coverage. Please keep in mind that although this may appeal to the frugal person inside of you, you do not want to be left without the proper coverage if you were to get into an accident. One of the most common ways to reduce your premium is to choose liability coverage only. By law you must have liability coverage. Selecting only liability coverage can reduce you premiums by 30% to 50%. That sounds great at first but you must understand that it will cover the cost to repair the damage to another person's automobile but not yours. So, if you get into an accident and it is your fault then the repairs to the other person's car will be taken care of by your insurance company but your car repairs will not be paid for. Liability coverage should come with a buyer beware warning. Just be sure that you are prepared to handle any expense of damage to your vehicle if the accident is your fault. Another way to reduce your premium rates is to adjust the deductibles, basically the higher the deductible the lower the premium. If you elect to have a $1000 deductible then you will be paying less each month, however if you do get into an accident then you will have to pay for the first $1000 and the insurance company will pay the rest. The average deductible is $500. Another factor that can contribute to your getting the best on line car insurance rate is by taking a defensive driving class. This can reduce your coverage by 5% to 10%. Combining you home owners and you health insurance with you car insurance company will also lower you insurance premium rate. One of the savings factors that is overlooked sometimes it safe driving. Develop and maintain a safe driving record. Also if you have a good record, check with you insurance company to make sure that you are getting the best safe driver savings. Get the best online car insurance rate and save money each month http://pipes.yahoo.com/pipes/pipe.info?_id=d241d8a2ca82fd07f1672b1bffc697de